Five Important Steps to Take After a Car Accident With an Uninsured Driver

To protect your rights to compensation in a car accident involving an uninsured driver, there are five important steps you need to take.

When car accidents and injuries happen, insurance coverage can help offset the medical costs, property damage, and other expenses you suffer. However, in crashes caused by uninsured drivers, getting the compensation you are entitled to can prove challenging.

According to studies from the Insurance Research Council , just over 20% of all motorists on the road in New Mexico lack the proper insurance coverage. This averages to roughly one out of every five drivers. When you are involved in an accident with one of these uninsured drivers, there are options available and steps you can take to protect your rights in a claim.

Five Steps to Protect Your Rights to Compensation With Uninsured Drivers

While the New Mexico Motor Vehicle Department requires drivers to have a certain amount of insurance coverage in place, there are numerous reasons why some drivers fail to obtain it. They may be unable to afford it, particularly if they have a poor driving record, or they may have been denied coverage due to prior tickets, accidents, or DUIs. In some cases, the driver may not even have a valid license, due to a suspension or not meeting residency requirements. Regardless of the reasons, their irresponsibility in obtaining coverage can end up costing other drivers.

If you are in an accident with an uninsured driver, you may still be able to seek compensation for the damages you suffer by filing a personal injury lawsuit against the driver. To protect your rights in this type of claim, the following are five steps you need to follow:

1. Make sure that a police report is filed.

Notify law enforcement immediately any time a car accident occurs. They can help obtain the other driver’s name, contact information, and license, insurance, and vehicle registration numbers, in addition to documenting where and when the accident occurred and any evidence at the scene.

2. Document as much as you can about the accident.

If possible, take photos or videos with your cell phone of where the accident occurred, the surrounding area, the position of the vehicles, and the damage your vehicle and physical person suffered.

3. Get medical care for your injuries.

Even if you suspect your injuries are minor, seek medical attention right away. Many potentially debilitating conditions have symptoms that take days or even weeks to appear.

4. Contact your own insurer.

Depending on the type and amount of insurance coverage you have in place, your own insurance company may be able to help offset some of your damages.

5. Seek help from an experienced attorney.

You have a limited amount of time to file a lawsuit against an at-fault, uninsured driver, and the earlier you have an experienced Albuquerque car accident attorney on your side, the the stronger your case will be. Call or contact Albuquerque attorney Edward Chavez, Jr. online today and request a consultation to see how he can help you.